Title XIV mortgage-related rules


Rules and compliance guides

Plain-language guides to the new rules in a FAQ format, which makes the content more accessible for industry constituents, especially smaller businesses with limited legal and compliance staff.

Quick references

These summaries, charts, and reference materials offer an easy way to understand rules and see which rules are likely to apply to certain products or businesses. These references aren’t substitutes for the regulation text and official commentary, but they can give you an idea of where to start.

Supervision and examination materials

Our Supervision and Examination Manual is a guide to how we will supervise and examine consumer financial service providers under our jurisdiction for compliance with federal consumer financial law.

Our Readiness Guide provides guidelines for institutions to evaluate their readiness and help them comply with mortgage rule changes made through July 24, 2015.

Additional materials

Rural or underserved counties

Businesses that operate predominantly in rural or underserved counties are exempt from certain requirements.

Use our rural and underserved counties page to access lists of rural or underserved counties or tools that determine whether a property location is in such a county.

Lenders can use our find a housing counselor tool to meet RESPA requirements to generate a list of housing counseling agencies for each applicant.

Servicers can use our mortgage help page to meet servicing disclosure requirements to provide access to the HUD list of homeownership counselors and counseling organizations, as well as the website to access contact information for state housing finance authorities.

Consumer handbooks

Booklets are available now for download and print orders.

Appendix Q

Among other criteria, “qualified mortgages” generally must possess a total monthly debt-to-income ratio (DTI) of no more than 43 percent . Regulation Z’s appendix Q contains detailed requirements for determining the “debt” and “income” factors in the calculation.